I got a phone call form the bank this morrning saying that they were concered that my card details had been stolen 
So I pop down to the branch to find out what this was all about and they tell me that several thousand pounds came off my card last night - empting my
account
so someone out there has bought them self a lot of shiny new toys with my card 
At least the bank were on the ball, they went though it all with me and are sorting it
I'm not a happy man today
they couldn't have done that with my switch card ! I ain't got several grand to spend in the first place.
At least they are reimbursing you the funds, I assume.
You have to be careful with switch cards- some banks won't refund unauthorised access. With CCs you have more protection.
One of my old consultants got his Switch cloned and they cleaned him out. Bank said it was his bad luck.... Not good!!!!
That's why (despite using FF, spyware S+D etc) I only ever use a CC via the internet... Anyway, I get air miles on my CC!!!
i also only ever use my CC on the net
but thats because theres nothing in my account lol
Its an RBS card - and I think I'm getting it all back (apart from anything else we cought it just before they cleared)
but I'll find out on monday - in the mean time they even let me take a resnoble amount of cash out
Just had a call from the SWMBO.
In tears as she has had a call from Barclays Fraud after 'a String of unusual transactions' .
Same story.
Account emtied asked her what she last used the card for. Look like they are on the ball and have cancelled the card and will be sending her a full
statment asking her to mark any transactions that her not hers and these will be reimbersed.
regards
Agriv8
Could it be this?
http://www.theregister.co.uk/2007/01/19/tjx_hack_alert/
Feckers!
Is it just me who doesn't understand how anyone could stoop so low as this? Are people not taught what is right or wrong anymore?
You don't need to answer that as I think I know what the comments would be..... 
The bank bloody well should reimburse you, because I dont think for one minute that the bank is going to give the funds to the merchant who accepted
the fraudulent card as when chip and pin was introduced along with it the resposibility was shifted from the card issuer to the merchant, and the
merchant wont receive the funds for a number of days and the fraud was detected very quickly so the bank shouldn't have given the money to the
merchant, therefore they shouldn't deduct the money from your account.
probably wrong because that sems far too logical and easy
The regulations and law have changed recently, I'm a banker myself but haven't been in branch banking in a while, though I know the
liability is now pretty much all with the merchant after chip and pin came in.
Get yourself a copy of the banking code, it's a code of practise that all the UK personal banks subscribe to and defines the standards you can
expect and what money you can get back.
They're usually pretty good with this sort of thing, it's very damaging to their reputation if they're not.
Good place to start --> http://www.bankingcode.org.uk/
quote:
Originally posted by jlparsons though I know the liability is now pretty much all with the merchant after chip and pin came in.
Yep, but it hasn't been reported that any crooks can manufacture chip cards (yet!). It's been designed to be hard to do on a number of
levels.
I'd guess these transactions are all from dodgy mag stripes, unless it was a theft of numbers in a hack attack and the merchant was stupid enough
to keep the 3 numbers from the strip in the same database.
I've been hit with this too. In my case it was on a credit card, which had been newly issued. I'd only used it for 4 or 5 transactions, all
on the internet.
How had it been cloned? No-one else other than me had physically seen the card. Only options are (a) the issuing bank had a leak, or (b) one of the
the processing agents had a leak.
Needless to say, I was fully reimbursed. However, I'm obviously now on some sort of list, because the card issuer now regularly checks back with
me on all my internet purchasers. Which is keeping them busy, as that's the only thing I use my credit card for ... :-)
Cheers
Richard
By the way...even if you have no money in your account, they can still bu@@er you! They just deposit an empty envelope in the machine after hours
(they key it in as a deposit for, say, $500), then withdraw the maximum daily amount. They'll keep doing this until the card is rejected.
Happened to me, happened to my step son a week ago too. Banks made good on it, though, but still a pain, changing card numbers, etc. all over the
place. So if you think your card might be compromised, check your balance, even if you started with no money! You might be minus a whole
bunch...
quote:
Originally posted by Coose
Feckers!
Is it just me who doesn't understand how anyone could stoop so low as this? Are people not taught what is right or wrong anymore?
You don't need to answer that as I think I know what the comments would be.....
So far at least the bank say I'll get my money back
but they have to let the money go out of my account first so that it is actually theft - then they can take that to court later (while refunding me
themselfs in the mean time) I assume its up to them and the merchants to sort things out between them at that stage
quote:
Originally posted by iank
Yep, but it hasn't been reported that any crooks can manufacture chip cards (yet!). It's been designed to be hard to do on a number of levels.
